Auto insurance and the land of confusion

Full Tort, Limited Tort, Underinsured Motorist Coverage, Uninsured Motorist Coverage, Stacking, Bodily Injury Limits, First Party Benefits …

Do these words mean anything to you? They should. They are all part of your automobile insurance coverage. They can also greatly impact the rights you and your family have in the event that you are involved in a motor vehicle collision.

For example, you and your family are the victims of a drunk driving collision. The drunk driver has no automobile insurance and no assets. If you carry Uninsured Motorist coverage you would be able to recover for the injuries to you and your family from your own insurance company up to the limits of Uninsured Motorist coverage that you carry.

However, if you do not carry Uninsured Motorist coverage, you can recover nothing for the losses that you and your family sustain. Sound unfair? It is. The reality is most insurance agents do not thoroughly explain the coverage options on an automobile insurance policy and how they impact you and your family.

We can help. Call us today for a free automobile insurance consultation. We will sit down and explain the coverage options on your policy so that if that uninsured drunk driver hits you, you know that you and your family are protected.

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With more than 40 years of combined experience, the personal injury attorneys at Fellerman & Ciarimboli strive to provide the best service to clients in Philadelphia, Northeast Pennsylvania, and throughout the Keystone State.

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